I have used VistaPrint for our photo X-mas cards.
It came out great. And yes it is cute.
No complaints from me about it.
Priced reasonably compared to others.
Yes, you can customize it. It is easy. You can choose the font and the color format and the style of the card. And of course, you choose what photo to use. One year I chose a card format in which I could even put 3 photos on it.
BUT, make sure, that the photo you use to upload to them, is good quality.
I have ALSO made and gotten from Vista Print, their photo calendars. I do this annually, for X-mas gifts. And it is great and nice and customizable and everyone loved it.
I also used Vista Print for getting gifts for my kids' Teachers, notepads and such and I also got their Photo T-shirts. Which was cute and nice.
Reasonably priced.
And I have also gotten their photo books.
As you can see, I have used Vista Print a lot... over the years, for various things. And I have been pleased with it. I even got address label stamps. And business cards from them.
Their photo X-mas cards are cute... but again, it depends on "you" and what card style you choose and what photo you upload to them, to use for your cards. It is "you" that creates it. So it will be as cute, as you choose it to be.
I have also used Kodak. But they don't do photo gifts anymore.
My friends have used Shutterfly for their photo cards. But they are more expensive.